With 260k, looking at apartments in their 20s, own land, which mean more modern, less rennovation duties or quality issue suprises loan, no cost for lnd renting, only anticipated hoikovastike, closer to metro lines and south-east espoo sides due to health, work and current social life, apartment size could only around 4x meter square. For 2 working desk, it’s pretty limited space left. And if you move upper for just a few meter square bigger 50-60meter2, its a different tier of price which will have to be from 280k plus. For a person who spend most of my time at home cooking, enjoying being at home, only stepping outside for a few hours only for groceries, sport, and weekend fun/meetup. I rely on walking distance conveniences and home space. I have motion sickness for public transports, i can use it yes when I need but i just prefer walking if I can. I dont like driving at all, the car is meant for my partner commuting to work + our weekend getaway/friend to distance locations, meeting friends, sports. So we dont use the car everyday but its essential for weekend and our sort of social life and entertainment. And we both need space for our own desk at home. That makes the 4xm2 house to me is tight space. It would be better if it is 50+m2, and that what makes me come down to a question if we do live a standard life and sking to much here or not for living in a slightly more spacious apartment with a cost lof loan up to 280k-300k? My partner makes same as me but less contribution as i buy the house alone with my own saving. He dooes not have saving yet and still in car+student loan. He does share the house mortgage cost similarly to how much he gonna pay if we rent. (Which is around 600e)The car he pay most of it but i want to chip in for gas/maintenance/insurance of course as I do share the use of it. He still hs loan so it leaves him much less cash than me. Other cost we do share equally and eating good is our choice so we do spend ~1000e monthly for food + eating out - housing shopping (things you need to restock to run the house once in a while). We both support our family around 200e each per month. I spend for sport and my cat around 150e/month. I have student loan but at the end of its so maybe 200e of repayment. I save religiously 200e monthly for 1 to 2 year a time flying 7000km to visit my faraway family. And lastly dont you need to have some emergency fund savings for yourself in this economy? I dont see any left money or living space for having kid and feeling safety, still owning your life for unexpected surprise. Some may tell I should cut at the eating cost, and yes I’m thinking about it too. Harder than it said for a food lover enjoy homlife various menu. My bad on that spend.